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What Causes Auto Insurance Increases?

Written by Michele Wilmonen. Posted in Rates, Research Last Updated: 04/23/2011

Auto insurance can increase because of your own driving habits and also for reasons that are out of your control, like other drivers — and the economy.

Car Climbing the Increasing Stacks of Insurance Premium

Many factors can make your auto insurance continue to increase.

Insurance rates go up for all different kinds of reasons, some of the reasons you can control and some you cannot. Factors such as other driver’s unsafe driving, weather and the economy are all factors that you have no control over.

But, the one thing that you can control is your own driving habits, which is the one factor that is what causes auto insurance increases the fastest.

The Economy Increases Auto Insurance

While this one can’t be seen immediately it does have an effect on your insurance premiums.  An insurance company usually doesn’t just have their business dealings in auto insurance. They have investments, they are insuring businesses and homes and they themselves are usually owned by stock holders.

So when the economy takes a down turn and stocks start to fall, businesses fail and homeowners stop paying their insurance premiums insurance companies start to lose money. They have to still turn a profit so that their own stock holders don’t start selling their stock and they do this by raising rates on the clients they still have, including car insurance customers.

Statistics Increase Auto Insurance

Insurance is all about numbers and insurance companies love statistics.  Statistics show what categories of drivers are the safest, what geographic locations have the highest theft rates and what credit ratings are most likely to commit insurance fraud. A negative change in the statistics of any of the categories that you are in can make your insurance go up at your next renewal.

Other Drivers Increase Auto Insurance

Your driving record is not the only driving record that can make your insurance premiums go up. Drivers that are not even insured with your insurance company have a large impact on making insurance premiums go up, especially uninsured drivers. When an uninsured driver hits another driver that is insured with your insurance company, your insurance company has to pay out for the damages for their driver (if there is coverage).

This means that there is no other insurance company to reimburse your insurance company and getting the money that was paid out for the accident from the other person can take a long time. So to make up for the money they had to pay out, they increase everyone’s premiums.

You Make Auto Insurance Increase

The only factor that you have any real control over is your own driving habits and how safe of a driver you are. Drivers that cause accidents and are ticketed for unsafe driving are going to be charged higher insurance rates. Insurance companies want to collect as much premium as they can on these unsafe drivers before they cause the accident that they are at high risk to.

Driving safe and obeying traffic laws will keep your insurance premiums down. Also if you are a good driver and go a certain period of time without a ticket or an accident, not only will you be paying lower rates, you could also qualify for good driver discounts that could decrease your premiums even further.

2017 Auto Insurance Rates by State (updated)

Written by Michele Wilmonen. Posted in Rates, Research Last Updated: 08/13/2017

How the crime rates, number of uninsured motorists and the weather in your state can determine your auto insurance premiums – plus car insurance rates by state.

Moving this car to a different state will change its insurance premium

This vehicle will see a change in its insurance premium if it moves from one state to another.

The price of auto insurance is determined by many different factors. It can go up or down depending on your age, driving record, credit score, the type of car you drive and also your gender. But, did you know that how much you pay for car insurance also depends on where you live?

When an insurance company sends a request for the base premium for a state or specific area to the state Insurance Commissioner, they are using the statistics of claims filed or potential for claims being filed in a location. They want to make sure that they are not going to pay out more in claims payments then they are going to be collecting in premium. So if a certain location has a higher chance of having a claim, they want to make sure that they are charging a high enough premium.

Crime Rates

The crime rate in your state can have an impact on your insurance premium, specifically car thefts and vandalism. If you live in a state where you have a higher chance of getting your car stolen or damaged, the higher your insurance premiums will be to offset the claim payout of having to fix or replace your vehicle.

Liberal Monetary Awards

We have all see commercials for personal injury lawyers advertising their services to obtain financial compensation for those that have been injured in an accident. The high awards that these lawyers get for their clients end up increasing the premiums for everyone.

In the states that have judges that award higher monetary compensation and also have more lawyers advertising their services to help obtain these high awards, like Louisiana, they see the highest premium increases due to this factor.

Weather

You never know when Mother Nature is going to get ugly and cause damage. Statistically there are states, such as Oklahoma, that have a higher chance of seeing this happen than others and insurance companies keep track. States that are in “tornado alley”, flood prone states and severe weather states all have their premiums increased to compensate for the likelihood of a weather related claim.

Uninsured Drivers

Even though there are laws protecting those of us that are insured from them, uninsured drivers are everywhere. Not only are they a higher danger to us on the road, they are also one of the causes of our increased auto premiums. Because a driver that is not insured has no insurance company to pay for the damages that they cause, the victim’s uninsured motorist or collision coverage has to pick up the bill. This uncompensated claim payout then is spread out through all of that insurance companies customers for them to pay for in the form of higher premiums. Statistically some states have higher numbers of uninsured motorists driving up insurance premiums.

State by State Case (2017 updated)

While the insurance premiums can even vary within a specific state due to all of the above factors, there isn’t the room or the time to cover every single town and city across the nation. So instead we have provided the chart below for you to compare where your state stands in average premium rates.

National average $1,318
1 Michigan $2,394
2 Louisiana $1,921
3 Connecticut $1,897
4 Rhode Island $1,848
5 Florida $1,840
6 DC $1,696
7 California $1,673
8 Wyoming $1,538
9 Delaware $1,526
10 Texas $1,506
11 Oklahoma $1,476
12 Georgia $1,440
13 Arkansas $1,409
14 New Jersey $1,375
15 West Virginia $1,369
16 Kentucky $1,365
17 New York $1,352
18 Colorado $1,351
19 Arizona $1,348
20 Nevada $1,342
21 Maryland $1,327
22 Mississippi $1,326
23 Pennsylvania $1,313
24 Oregon $1,308
25 Hawaii $1,294
26 North Dakota $1,291
27 South Carolina $1,286
28 Massachusetts $1,242
29 Minnesota $1,241
30 Alabama $1,226
31 Montana $1,217
32 Washington $1,216
33 New Mexico $1,201
34 Kansas $1,192
35 Tennessee $1,186
36 Illinois $1,159
37 Wisconsin $1,154
38 Alaska $1,132
39 New Hampshire $1,124
40 Nebraska $1,112
41 Missouri $1,107
42 Utah $1,068
43 South Dakota $1,058
44 Virginia $1,040
45 Indiana $1,021
46 Iowa $1,017
47 North Carolina $1,010
48 Vermont $948
49 Idaho $942
50 Ohio $919
51 Maine $864

 

Most Expensive States , Least Expensive States (2011 data)

Most Expensive States

1. Michigan, $2,541

2. Louisiana, $2,453

3. Oklahoma, $2,197

4. Montana, $2,190

5. Washington, D.C., $2,146

6. California, $1,991

7. Mississippi, $1,896

8. New Mexico, $1,896

9. Arkansas, $1,836

10. Maryland, $1,807

11. North Dakota, $1,794

12. Connecticut, $1,786

13. Rhode Island, $1,747

14. Wyoming, $1,714

15. Hawaii, $1,707

16. South Dakota, $1,707

17. Georgia, $1,670

18. New Jersey, $1,663

19. West Virginia, $1,633

20. Kentucky, $1,629

21. New York, $1,627

22. Minnesota, $1,614

23. Washington, $1,584

24. Missouri, $1,563

25. Indiana, $1,518

26. Colorado, $1,508

Least Expensive States

1. Vermont, $995

2. South Carolina, $1,095

3. Maine, $1,126

4. Wisconsin, $1,128

5. Tennessee, $1,146

6. Ohio, $1,152

7. North Carolina, $1,154

8. Iowa, $1,179

9. Virginia, $1,237

10. Utah, $1,272

11. Arizona, $1,280

12. Illinois, $1,290

13. Nevada, $1,300

14. Oregon, $1,306

15. Alabama, $1,306

16. Idaho, $1,325

17. Massachusetts, $1,328

18. New Hampshire, $1,334

19. Alaska, $1,454

20. Kansas, $1,461

21. Pennsylvania, $1,468

22. Nebraska, $1,470

23. Florida, $1,476

24. Delaware, $1,489

25. Texas, $1,492

Data courtesy of Insure.com

Cheapest Car Insurance in Pennsylvania*

Written by Todd Clay. Posted in Rates Last Updated: 08/24/2009

Looking for the cheapest car insurance in Pennsylvania? Check out these auto insurance companies according to our independent research in the Keystone State.

Finding the Best Rates in the Keystone State

Finding the Best Rates in the Keystone State

Looking for the cheapest car insurance in Pennsylvania?

It could be difficult – especially if you had to call every company in the state. Getting quotes from 30+ carriers would be a pain. But don’t worry. We’ve done all the hard work for you.

Our sample rates give you a good idea of what companies charge, compared to each other, in the Keystone State. The list compiles 20 cheap car insurance companies. Notice I didn’t say ‘best’, I just said cheap.

Every driver is different. What you see below is a sample of male and female drivers throughout the state. Quotes listed are for more than the minimum auto insurance package required by law in Pennsylvania. In other words, if you get minimum liability limits from these companies, you might pay less money than what’s listed below.

Also, prices listed are NOT the same as the price you will receive from the companies below. These are NOT actual quotes from insurers. This list should serve as a general guide to help you shop – to help narrow your choices when shopping for car insurance in Pennsylvania.

*NOT an exhaustive list of PA insurance companies. Companies listed are those with the largest market share, according to the Pennsylvania Department of Insurance.

Rank

Pennsylvania Auto Insurance Companies

Average Premium

1

GEICO

$1,177.20

2

Travelers Home and Marine Ins. Co.

$1,308.80

3

Erie Ins. Exchange

$1,348.40

4

Nationwide Mutual Ins. Co.

$1,400.80

5

Donegal Mutual Ins. Co.

$1,564.00

6

Allstate Fire and Casualty Ins Co.

$1,675.40

7

State Farm Mutual Automobile Ins. Co.

$1,681.90

8

Pennsylvania National Mutual Casualty Co.

$1,771.00

9

Westfield Ins. Company

$1,877.70

10

State Farm Fire & Casualty Co.

$1,935.80

11

Progressive Direct Ins. Co.

$2,115.00

12

Erie Ins. Company

$2,213.30

13

Harleysville Preferred Ins. Co.

$2,449.70

14

Progressive Specialty Ins. Co.

$2,586.10

15

Farmers New Century Ins. Co.

$3,201.00

16

Assigned Risk Plan – Clean

$3,237.10

17

Assigned Risk Plan – Other Than Clean

$4,641.30

18

American Independent Ins. Co.

$4,870.60

19

First Liberty Ins. Corp.

$5,110.10

20

Liberty Mutual Fire Ins. Co.

$5,110.10

Note:

*NOT an exhaustive list of PA car insurance companies. Companies listed are those with the largest market share, according to the Pennsylvania Department of Insurance.

Rates collected in 2008.
All data is courtesy of the Pennsylvania Department of Insurance.
For more information, view our Disclosure.

Cheapest Car Insurance in Ohio

Written by Todd Clay. Posted in Rates Last Updated: 11/08/2008

Looking for the cheapest auto insurance in Ohio?  Check out the 25 cheapest insurers from our independent research in the Buckeye State.

Crusin' for Cheap Car Insurance in Ohio?

Crusin' for Cheap Car Insurance in Ohio

Looking for cheapest car insurance in Ohio?

Getting quotes from 50+ car insurance carriers would be a waste of a good weekend.  But don’t worry.  We’ve laid the groundwork for you. Our sample rates from Ohio give you a good idea of what insurers charge their customers.  The list compiles 25 cheap car insurance companies.  Notice how I didn’t say ‘best’, I just said cheap.

Every driver is different.  What you see below is a sample of male and female drivers throughout the state, ages 19-70.  Quotes listed are for more than the minimum car insurance package required by law in Ohio.  In other words, if you get minimum liability limits from these companies, you might pay less money than listed below.

Prices listed are NOT the same as the price you will receive from the companies below. In addition, these are NOT actual quotes.  This list should serve as a general guide to help you shop for car insurance in Ohio.

Rank

Car Insurance Companies in Ohio

Average Premium

1

Kansas City Fire & Marine

$668.16

2

Selective of the Southeast

$709.20

3

Montgomery Ward

$709.64

4

Lightning Rod Mutual

$726.33

5

California Casualty Indemnity Exchange

$758.16

6

AMEX

$779.00

7

Royal

$819.24

8

Allstate Property and Casualty

$826.92

9

Travelers P&C

$830.52

10

USAA Casualty

$867.96

11

Travelers Casualty

$875.40

12

Atlantic Mutual

$883.24

13

Cincinnati

$885.72

14

Cincinnati Casualty

$885.72

15

GEICO General

$906.32

16

Government Employees

$906.32

17

State Farm Mutual

$921.96

18

Travelers Commercial

$929.76

19

Erie

$989.04

20

State Farm Fire & Casualty

$1,014.72

21

Halcyon

$1,044.36

22

Horace Mann Property Casualty

$1,091.08

23

PRUGEN

$1,098.65

24

Progressive Casualty

$1,127.80

25

Amica Mutual

$1,133.84

Rates published in April 2008.
All data is courtesy of the Ohio Department of Insurance.
For more information, view our Disclosure.

Cheapest Car Insurance in New York

Written by Todd Clay. Posted in Rates Last Updated: 03/18/2009

Looking for cheap auto insurance in New York? Check out the 25 cheapest insurers per our independent research in the Empire State.

Did She Just Find the Cheapest Car Insurance in New York?

Did She Find the Cheapest Car Insurance in New York?

Your goal: the cheapest car insurance in New York.

Just think if you had to call every car insurance company in the city. If you called 30+ insurers, it would be a waste of a good Saturday. But don’t worry. We’ve done the hard work for you.

Our sample rates in six separate categories of drivers gives you a good idea of what companies charge for premiums. Our list compiles the 25 cheapest car insurance companies in New York. I didn’t say ‘best’, I just said cheap.

Bear in mind, every driver is different. What you see below is a sample of drivers ages 20-69, both male and female. Prices listed are NOT the same as the price you will receive from the companies below, even if you just get liability coverage.

In addition, these are NOT actual quotes from these companies. This is a general guide to help you shop for car insurance in New York.

Rank

Car Insurance Companies in New York

Average Premium

1

GEICO GENERAL INS CO

$551.80

2

ALLSTATE PROP & CAS INS CO

$566.00

3

USAA CASUALTY INS CO

$867.70

4

MERCHANTS PREFERRED INS CO

$875.67

5

GEICO IND CO

$896.97

6

NEW YORK CENTRAL MUT FIRE INS CO

$909.30

7

PROGRESSIVE DIRECT INS CO

$985.23

8

GOVERNMENT EMPLOYEES INS CO

$993.80

9

ERIE INS CO

$1,082.80

10

UNITED SERVICES AUTO ASSOC

$1,083.30

11

AMICA MUT INS C

$1,150.33

12

ERIE INS CO OF NY

$1,163.43

13

STATE FARM MUT AUTO INS CO

$1,173.10

14

LIBERTY MUT FIRE INS CO

$1,193.80

15

EVEREADY INS CO

$1,205.03

16

MERCHANTS MUTUAL INS CO

$1,236.27

17

METROPOLITAN GRP PROP & CAS INS CO

$1,256.07

18

TRAVELERS PROPERTY CAS CO OF AMER

$1,331.07

19

AUTOONE INS CO

$1,387.73

20

STATE FARM FIRE AND CAS C

$1,392.63

21

NATIONWIDE INS CO OF AMER

$1,454.47

22

RESPONSE WORLDWIDE DIRECT AUTO INS CO

$1,459.70

23

METROPOLITAN CAS INS CO

$1,514.97

24

PROGRESSIVE PREFERRED INS CO

$1,536.63

25

NEW SOUTH INS CO

$1,563.23

Rates collected in 2007-2008.
All data is courtesy of the New York State Insurance Department.
For more information, view our Disclosure.

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